I was contacted today by Angel Smith of Lamphere Associates, 1510-709-4660 she said I had taken out a loan for $300 from National Payday Advance, she said I had to repay $753.00 otherwise I would be prosecuted for fraud, along with 2 of my friends who had been my references for a previous loan which has been paid off. I was also to fax a letter authorising the use of my credit card. She would not give me any paperwork, indeed tell me the name of the company I am supposed to owe money, when questioned she claimed the loan had been for last November, I was not in the country, I told her this, she tried to change her story.

I'm worried, I don't want to be prosecuted, but I am right to ask for written proof before I part with my credit card details?